From the transformation to the bancarization of the spanishsaving banks: an analysis of the results pursued

<p>This research arises due to the current restructuring process in which is immersed the Spanish banking sector. The above mentioned process is carried out to try to reduce the doubts on the viability of the bank companies to average and long term and to be able to return again the confidence...

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Autores principales:	Milagros Gutiérrez Fernández, Yakira Fernández Torres, Ricardo Palomo Zurdo
Formato:	article
Lenguaje:	EN ES
Publicado:	AECOOP Escuela de Estudios Cooperativos 2016
Materias:	Cajas de ahorros reestructuración bancaria eficiencia solvencia obra social brecha financiera bancarización Economics as a science HB71-74
Acceso en línea:	https://doaj.org/article/00a2925065374ee4888048cc4f42435f
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spelling	oai:doaj.org-article:00a2925065374ee4888048cc4f42435f2021-11-12T13:14:37ZFrom the transformation to the bancarization of the spanishsaving banks: an analysis of the results pursued1135-66181885-803110.5209/rev_REVE.2016.v122.52022https://doaj.org/article/00a2925065374ee4888048cc4f42435f2016-04-01T00:00:00Zhttp://revistas.ucm.es/index.php/REVE/article/view/52022https://doaj.org/toc/1135-6618https://doaj.org/toc/1885-8031<p>This research arises due to the current restructuring process in which is immersed the Spanish banking sector. The above mentioned process is carried out to try to reduce the doubts on the viability of the bank companies to average and long term and to be able to return again the confidence in the sector. Though the economic and financial crisis has concerned the whole banking sector, the subsector of the Spanish savings banks is the one that has experienced a major number of integrations (articulated by means of mergers, absorptions and across Institutional Protection Schemes -IPSs-), and the one that has met submitted to the bancarization process. Considering what has been said, the present paper analyses Spanish saving banks to try to discern whether thanks to that process the objectives pursued by the bank rearrangement have been fulfilled. To do this, the evolution of some important financial variables will be studied over a long period of time (1999-2012). The results suggest that not all the savings banks have seen improved their ratios of efficiency, solvency, financial gap and social work, which indicates that there is still much to be done in order to rectify the problems affecting the studied sector.</p>Milagros Gutiérrez FernándezYakira Fernández TorresRicardo Palomo ZurdoAECOOP Escuela de Estudios CooperativosarticleCajas de ahorrosreestructuración bancariaeficienciasolvenciaobra socialbrecha financierabancarizaciónEconomics as a scienceHB71-74ENESRevista de Estudios Cooperativos, Vol 122, Iss 0, Pp 86-109 (2016)
institution	DOAJ
collection	DOAJ
language	EN ES
topic	Cajas de ahorros reestructuración bancaria eficiencia solvencia obra social brecha financiera bancarización Economics as a science HB71-74
spellingShingle	Cajas de ahorros reestructuración bancaria eficiencia solvencia obra social brecha financiera bancarización Economics as a science HB71-74 Milagros Gutiérrez Fernández Yakira Fernández Torres Ricardo Palomo Zurdo From the transformation to the bancarization of the spanishsaving banks: an analysis of the results pursued
description	<p>This research arises due to the current restructuring process in which is immersed the Spanish banking sector. The above mentioned process is carried out to try to reduce the doubts on the viability of the bank companies to average and long term and to be able to return again the confidence in the sector. Though the economic and financial crisis has concerned the whole banking sector, the subsector of the Spanish savings banks is the one that has experienced a major number of integrations (articulated by means of mergers, absorptions and across Institutional Protection Schemes -IPSs-), and the one that has met submitted to the bancarization process. Considering what has been said, the present paper analyses Spanish saving banks to try to discern whether thanks to that process the objectives pursued by the bank rearrangement have been fulfilled. To do this, the evolution of some important financial variables will be studied over a long period of time (1999-2012). The results suggest that not all the savings banks have seen improved their ratios of efficiency, solvency, financial gap and social work, which indicates that there is still much to be done in order to rectify the problems affecting the studied sector.</p>
format	article
author	Milagros Gutiérrez Fernández Yakira Fernández Torres Ricardo Palomo Zurdo
author_facet	Milagros Gutiérrez Fernández Yakira Fernández Torres Ricardo Palomo Zurdo
author_sort	Milagros Gutiérrez Fernández
title	From the transformation to the bancarization of the spanishsaving banks: an analysis of the results pursued
title_short	From the transformation to the bancarization of the spanishsaving banks: an analysis of the results pursued
title_full	From the transformation to the bancarization of the spanishsaving banks: an analysis of the results pursued
title_fullStr	From the transformation to the bancarization of the spanishsaving banks: an analysis of the results pursued
title_full_unstemmed	From the transformation to the bancarization of the spanishsaving banks: an analysis of the results pursued
title_sort	from the transformation to the bancarization of the spanishsaving banks: an analysis of the results pursued
publisher	AECOOP Escuela de Estudios Cooperativos
publishDate	2016
url	https://doaj.org/article/00a2925065374ee4888048cc4f42435f
work_keys_str_mv	AT milagrosgutierrezfernandez fromthetransformationtothebancarizationofthespanishsavingbanksananalysisoftheresultspursued AT yakirafernandeztorres fromthetransformationtothebancarizationofthespanishsavingbanksananalysisoftheresultspursued AT ricardopalomozurdo fromthetransformationtothebancarizationofthespanishsavingbanksananalysisoftheresultspursued
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From the transformation to the bancarization of the spanishsaving banks: an analysis of the results pursued

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